...Thoughts are appreciated...I would add a car fund to save up to pay cash for your next car. This is a doubly good thing since not only do you avoid paying interest on a car loan, but while the money is invested it is earning some income for you. It takes some discipline, but if you do it right then you really need to do this once in your life since after that you then make the “car payments” to yourself and are ready for your future cars....While I don't plan to cut out my vacations I will give some thought to where the money goes. I visit Europe yearly and prefer not to live/travel backpacker style....I suspect that you have never traveled as a backpacker. Excluding airfare, I would estimate that even with the current crummy exchange rate that by “backpacking” and doing things like not always eating at restaurants and staying in hostels (which can actually be fun) that you could easily travel in Europe for less (probably a lot less!) than $75 per day per person by traveling in “backpacker style”. There is a wide gap between a backpacker’s budget and what you are spending. You should check out Rick Steve’s books that are widely recommended. Part of his travel philosophy is to travel like a middle class European. There is a “Best Travel Spots/Tips” board that has lots of knowledgeable travelers with great suggestions. http://boards.fool.com/Message.asp?mid=26799885Greg
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